Union Equity Savings Fund - Direct (IDCW)

Equity Savings

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NAV
17.35(-0.97%)
Fund Size (CR)
₹143.75
Expense Ratio
1.51
Scheme Type
Active Fund
Value Research
-

Min. investment
₹1,000
Minimum Additional Investment
₹1,000
Minimum SIP Investment
₹100
Minimum Withdrawal
₹1,000
Exit Load
1%
Return Since Launch
7.65%

Absolute Return: -2.75%

Annualized Return: 0%

Basic Details

Scheme Manager

Sanjay Bembalkar

Bench Mark

Crisil Equity Savings Index

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	March 11, 2026	9982.91	-0.17%	-	-0.12%	89/131
1 Month	February 18, 2026	9738.74	-2.61%	-	-1.98%	96/131
3 Month	December 18, 2025	9848.23	-1.52%	-	-1.07%	93/131
6 Month	September 18, 2025	9931.97	-0.68%	-	-0.10%	103/131
1 Year	March 18, 2025	10491.02	4.91%	4.91%	6.97%	107/123
3 Year	March 17, 2023	12788.32	27.88%	8.53%	10.38%	105/121
5 Year	March 18, 2021	13949.04	39.49%	6.88%	8.81%	111/121
Since Inception	August 9, 2018	17520.00	75.20%	7.65%	7.87%	86/131

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	April 1, 2025	1,20,000	118902.01	-0.91%	-0.91%
3 Year	April 3, 2023	3,60,000	384391.61	6.78%	2.21%
5 Year	April 1, 2021	6,00,000	695124.62	15.85%	2.99%
10 Year	-	-	-	-	-

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

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Monthly Investment (₹)

Minimum value allowed is 500

Expected Returns Rate (%)

Minimum value allowed is 1

Time Period (in Years)

Minimum value allowed is 1

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Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

1.12%

Standard Deviation

0.33%

Beta

0.73%

Sharpe Ratio

0.03%

Treynor's Ratio

0.80%

Jension's Alpha

Asset Allocation

Sector Allocation

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
HDFC Bank	3.78%	61254	5.44	Equity	Banks
Indus Towers	3.66%	115600	5.26	Equity	Telecom Equipment & Infra Services
Bajaj Finance	3.48%	50250	5.00	Equity	Finance
Max Financial	2.79%	22137	4.01	Equity	Miscellaneous
Larsen & Toubro	2.33%	7817	3.34	Equity	Infrastructure Developers & Operators
Reliance Industr	2.25%	23198	3.23	Equity	Refineries
Multi Comm. Exc.	2.23%	13125	3.21	Equity	Financial Services
Kotak Mah. Bank	2.21%	76600	3.18	Equity	Banks
SBI	2.02%	24150	2.90	Equity	Banks
Bharti Airtel	1.98%	15175	2.85	Equity	Telecom-Service

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Union Equity Savings Fund - Direct (IDCW)	143.75	-2.61%	-1.52%	-0.68%	4.91%	8.53%
ICICI Pru Equity Savings Fund - Dir (IDCW-Q)	18027.21	-1.25%	-1.50%	0.41%	17.87%	17.34%
HSBC Equity Savings Fund - Direct (IDCW-Q)	780.14	-1.56%	0.50%	-0.54%	12.00%	13.67%
HSBC Equity Savings Fund - Direct (G)	780.14	-1.56%	0.50%	-0.54%	12.00%	14.35%
HSBC Equity Savings Fund - Direct (IDCW-M)	780.14	-1.56%	0.49%	-0.56%	11.97%	13.92%
WhiteOak Capital Equity Savings Fund - Direct (G)	242.05	-1.95%	-0.78%	1.47%	11.84%	-

List of Schemes under Union Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
Union Multicap Fund	Equity	Very High	11.13%	0	₹1,318.17
Union Largecap Fund	Equity	Very High	4.69%	3	₹453.03
Union Large & Midcap Fund	Equity	Very High	9.66%	2	₹934.59
Union Midcap Fund	Equity	Very High	14.82%	3	₹1,652.42
Union Small Cap Fund	Equity	Very High	14.94%	2	₹1,787.25
Union Value Fund	Equity	Very High	9.93%	2	₹375.37
Union Focused Fund	Equity	Very High	8.45%	2	₹419.13
Union Innovation & Opportunities Fund	Equity	Very High	7.33%	0	₹1,052.97
Union Business Cycle Fund	Equity	Very High	8.81%	0	₹522.72
Union Active Momentum Fund	Equity	Very High	3.8%	0	₹445.02
Union Consumption Fund	Equity	Very High	0%	0	₹320.47
Union ELSS Tax Saver Fund	Equity	Very High	6.79%	3	₹875.66
Union Overnight Fund	Debt	Low	5.51%	4	₹296.51
Union Liquid Fund	Debt	Moderately Low	6.37%	3	₹7,923.43
Union Low Duration Fund	Debt	Moderately Low	0%	0	₹1,066.78
Union Money Market Fund	Debt	Moderately Low	6.97%	1	₹399.30
Union Short Duration Fund	Debt	Moderate	7.02%	0	₹137.17
Union Dynamic Bond Fund	Debt	Moderate	1.93%	1	₹100.31
Union Corporate Bond Fund	Debt	Moderate	6.91%	2	₹587.23
Union Gilt Fund	Debt	Moderate	0.85%	2	₹101.55
Union Aggressive Hybrid Fund	Hybrid	Very High	8.55%	2	₹704.55
Union Balanced Advantage Fund	Hybrid	High	5.83%	3	₹1,304.78
Union Multi Asset Allocation Fund	Hybrid	Very High	22.26%	0	₹962.66
Union Arbitrage Fund	Hybrid	Low	6.56%	2	₹275.51
Union Equity Savings Fund	Hybrid	Moderate	4.91%	1	₹143.75
Union Retirement Fund	Solution Oriented	Very High	11.17%	3	₹195.69
Union Children's Fund	Solution Oriented	Very High	8.42%	0	₹82.34
Union Gold ETF Fund of Fund	Other	High	70.12%	0	₹173.37
Union Income Plus Arbitrage Active FOF	Other	Moderate	0%	0	₹91.74
Union Diversified Equity All Cap Active FOF	Other	Very High	0%	0	₹187.84
Union Flexi Cap Fund	Equity	Very High	6.8%	3	₹2,348.87

News

Union Mutual Fund announces Income Distribution cum capital withdrawal (IDCW)
Union Mutual Fund has announced 26 February 2026 as the record date for declaration of IDCW Income Distribution cum Capital Withdrawal (IDCW) under the following schemes. The quantum of dividend (Rs per unit) on the face value of Rs 10 per unit will be:
Union Balanced Advantage Fund ' Regular Plan ' IDCW Option: 0.17
Union Balanced Advantage Fund ' Direct Plan ' IDCW Option: 0.17
Union Aggressive Hybrid Fund ' Regular Plan ' IDCW Option: 0.15
Union Aggressive Hybrid Fund ' Direct Plan ' IDCW Option: 0.15
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Union MF announces change in benchmark under its scheme

Union Mutual Fund has announced change in the benchmark of Union Multi Asset Allocation Fund. with effect from, January 20, 2026

Change in name of Benchmark of Union Multi Asset Allocation Fund

Scheme Name	Existing Benchmark	Revised Benchmark
Union Multi Asset Allocation Fund	65% NIFTY 50 TRI + 20% NIFTY Composite Debt Index + 15% Domestic prices of Gold	65% Nifty 50 TRI + 20% Nifty Composite Debt Index + 10% Domestic Prices of Gold + 5% Domestic Prices of Silver

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Union Mutual Fund announces Income Distribution cum capital withdrawal (IDCW)
Union Mutual Fund has announced 26 November 2025 as the record date for declaration of IDCW Income Distribution cum Capital Withdrawal (IDCW) under the following schemes. The quantum of dividend (Rs per unit) on the face value of Rs 10 per unit will be:
Union Balanced Advantage Fund ' Regular Plan ' IDCW Option: 0.17
Union Balanced Advantage Fund ' Direct Plan ' IDCW Option: 0.17
Union Aggressive Hybrid Fund ' Regular Plan ' IDCW Option: 0.15
Union Aggressive Hybrid Fund ' Direct Plan ' IDCW Option: 0.15
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Fund House Details & Investment Objective

Date of Incorporation

July 19, 2018

Total AUM (Cr)

₹143.75

Union Equity Savings Fund - Direct (IDCW) is an Equity Savings-oriented fund from the renowned AMC, Union Mutual Fund. Launched in July 19, 2018, this fund is managed by Sanjay Bembalkar. With assets under management (AUM) worth ₹143.75 (Cr), as of March 19, 2026, Union Equity Savings Fund - Direct (IDCW) is categorized as a Equity Savings within its segment. The fund has generated a return of 7.65% since its launch.
The current NAV of Union Equity Savings Fund - Direct (IDCW) is ₹17.35, as on March 19, 2026. The fund's benchmark index is Crisil Equity Savings Index. You can invest in Union Equity Savings Fund - Direct (IDCW) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹100 while the minimum lumpsum investment is ₹1,000.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
The fund has generated 8.53% and 6.88% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 66.64% in Equity, 28.28% in Debt and 5.08% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 27.16% in Debt, 14.63% in Banks, 5.69% in Telecom-Services, 5.07% in Finance, 4.33% in IT-Software

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